Oh well looks like its time to make an offer!Thanks everybody for your very usefull information.The thing that frustrates me more than anything is it has taken me over two and a half years to get hold of a copy of the agreement! Why could Egg not have done this in the first place it would have saved so much time and hassle.Thanks again

Not quite sure what i'm looking for??Any help appreciated

Yes it had my sinature on it.I don't remember doing but it was nearly 12 years ago.

Anybody able to tell where i stand with these? Are they enforceable??I have also received another letter from carters offering me a last chance to settle out of court they have also included a consent order.I have attached both below..http://i390.photobucket.com/albums/oo347/nilrs/letters/bcsett1.jpg ..http://i390.photobucket.com/albums/oo347/nilrs/letters/bcsett2.jpg .They have given me sevn days to reply so if any of you can help or advise please do.Thanks in advance

This is the second page . http://i390.photobucket.com/albums/oo347/nilrs/letters/agreement2.jpg

I have now received copies of the agrrement from carters.http://i390.photobucket.com/albums/oo347/nilrs/letters/agreement1.jpg

Ill try again in a minute

I have now received copies of the agrrement from carters.links below:http://i390.photobucket.com/albums/oo347/nilrs/letters/agreement1.jpghttp://i390.photobucket.com/albums/oo347/nilrs/letters/agreement2.jpgAnybody able to tell where i stand with these? Are they enforceable??I have also received another letter for carters offering me a last chance to settle out of court they have also included a consent order.I have attached both below.http://i390.photobucket.com/albums/oo347/nilrs/letters/bcsett1.jpghttp://i390.photobucket.com/albums/oo347/nilrs/letters/bcsett2.jpgThey have given me sevn days to reply so if any of you can help or advise please do.Thanks in advance

I have now received 2 letters. one from the court the other from Bryan Carters. Bryan reads: Thank you for you letter dated the 5th of April the contents have been noted. We confirm the statements and the default notice information has been sent to you but our client is still trying to obtain the copy of the agreement for you from Egg Banking Plc. We do require a further 14 day extension in order to obtain this document. We look forward to hearing from you in due course. Yours sincerely BC Court reads: I acknowledge receipt of your defence. A copy is being served on the claimant (or the claimant's solicitor). The claimant may contact you direct to attempt to resolve any dispute. If the dispute cannot be resolved informally, the claimant will inform the court that he wishes to proceed. The court will then inform you of what will happen. Where he wishes to proceed, the claimant must contact the court within 28 days after receiving a copy of your defence. After that period has elapsed, the claim will be stayed. The only action the claimant can then take will be to apply to a judge for an order lifting the stay. My question is what is my next step after the fourteen days has expired?? The card was taken out in 1999 over the phone and as far as i can remember i never siigned anything. Any help appreciated.

Account was opened in 1999. I spoke to the court and told them that carters wanted the extension and asked them what happens with regards to the case. They informed me that only carters could put it on hold and I should speak to them about it. Is there any template letters on here I could use to send to carters explaining that they have not sent the requested documents?

I know it sounds like a stupid question but what will my defence be based on? Do I need to let carters know that I will be defending? Never been in this situation and it's a bit worrying. Thanks

Hi I have received a reply for Bryan Carters it reads We refer to the above matter. Please find enclosed copies of : Notice of default screen print Default notice template statements These documents relate to your account which clarifies your liability in this matter. Please forward your payment proposals to our offices within the next ten days, failing which we will pursue through the court for the full outstading balance plus further costs. The default notice they have sent me has no details on it. (no figures, no name or address or account number etc etc. It is just a blank default notice. Not quite sure what the screen dumps are about. They appear to have the date on them when they issued a default notice. I have no copy of a credit agreement from them. They have sent me various statements from 2009. One statement they have sent me from Jan 2010 has a closing balance of £0.00. There is a charge off account, refund of interest and closing balance £0.00. Not quite sure what this means? Any help from where i go next would really be appreciated. Thanks

What is the best way of doing this?? Thanks

I have received a letter today from Bryan Carter. It reads: Thank you for your recent letter the contents has been noted. We confirm we have requested the necessary documentation from our client and hope to revert to you shortly. We do require a further 28 day extension in order to obtain and file these documents. We look forward to hearing from you in due course. Yours sincerely BRYAN CARTER Can anybody please advise me what i do next. Do I have to let the court know that they require the extension or will they do that? Sorry but this is all new ground to me. Many thanks in advance. Nilrs

They sent a copy of their terms and coditions leaflet the one they send everybody when ever they change the terms and conditions. There was no copy of the agreement sent. I did send Aktiv a cca request but I never heard back from them. But this is my word against theirs as I can not find the recorded post slip. Do you mean a a def notice from Aktiv ? I did receive one from egg back in 2009. How Can I check if the notice of assignment is in order? Not quite sure what I am looking for. Looking at it it does not have my name on it neither does it have my account number on. It starts dear customer. Does this make any difference?? Sorry for all the questions.

I did get a notice of assignment from Egg in April 2010 saying they had sold the account to Aktiv Kapital. I did not get a reply from the CCA request and unfortuneately i can't find the recorded post slip so i have no proof of sending it. I don't beleive i ever got a default notice from them and i've have never made any payment to AKtiv Kapital. I've now acknowledged the claim and i am defending it. Would it be worth sending both cpr's?? Any help from anybody would really be appreciated as this is all new ground to me and it's a little be scarey to say the least!! Thanks

Here is what they sent me. http://i390.photobucket.com/albums/oo347/nilrs/NewDocument3-page1edit-1.jpg

They are claiming for the full amount. I'm sure there is charges on the account not quite sure about ppi. I will check that later when I return home. I received it on Saturday and I have not acknowledged it yet.

Hi I have received a claim form from Northampton court issued by Bryan Carter solicitors. This on behalf of Aktiv captital for a Egg credit card agreement of mine that they have purchased. What i really need to know is where to go next?? I did originally send a CCA request to Egg via a debt collection agency and got the standard terms and conditions rubbish. Due to this the account entered a default back in May 2009. Then another DC company started. The CCA request was then sent again and the standard rubbish. The account entered default again in July 2009. All went very quiet until late last year when up popped Aktiv capital. I did not bother sending them a CCA request as this had been done twice before. Now i have received the court letter. Any help welcome as this is the first time i have had one of these and i'm not quite sure what to do now.

i got out of my car onto a small piece of land which he has put small slate type stones on,his driveway is on the other side of his house, i have read somewhere that if i have access at all times on my deeds, or perhaps if he tries to secure it to my garage then i can tell him to remove that, i am not trying to be awkward or difficult, i would not care if there was a small piece just to let us get in or out, its just that i have 3 children and a beetle with very long doors dh parks his car on the other side, plus it will make it very very difficult for us to get our cars on and off the drive, i wish i could draw a picture to show how the layout is.

hi not sure where to put this but i really need some advice/help, we have a double driveway with garage on the end which goes out to line his back garden so he has a small 1m line down our driveway which then ends at the edge of our garage, now my next door neighbour has started drilling holes (presumably fence/railings) now one of the problems we have is if he puts these up it will make it vitually impossible for us to get out of the passenger side of one of our cars, the neighbour has not come round to explain/ask, i moved my car he did not say thankyou or even stop drilling. we were not on bad terms but now i am not at all happy. dh is at work and i do not feel at all comfortable about speaking to him on this, he is a builder by trade, i know i shall have to check boundries etc but i wondered if anyone had any advice or could point me in the right direction. many thanks kim

Hi All been very quiet since July and today a letter dropped through my door. From a company called Apex Credit Management Services. Letter Reads as follows: Our client has requested we contact you to arrange payment of the full outstanding balance. We have made enquiries and sources have shown that you are resident at the address on this letter. Our clients have advised that previous attempts to contact you via other agencies have been unsuccessful and this os potentially your last opportunity to arrange payment before further action will be considered. Our staff are fully trained to assist you with your current situation and have a range of options to help. If you are unable to pay in full and are experiencing financial difficulty, we strongly recommend that you call us to discuss re-payment of your balance. To prevent this matter becoming unmanageable please contact our office on 0871 (This Premium Rate Number) within ten days from the date of this letter. Yours Sincerely ( My a**e sincere) Now this is the fourth company Barclaycard has put my account to. It has been in dispute since May and all i have been sent is the standard terms and conditions rubbish. Can they keep passing my account around to different companies even though it is in dispute?? Anybody have a letter i can send them to explaining that this account is still in dispute and i have on many occasions requested a copy of my cca from various different collection companies and all i get is the standard terms and conditions rubbish. Any help would be really appreciated. Thanks

small bump

hi i am really angry now, we had the statutory delivered this morning, as soon as it was delivered my husband (nigel) phoned the number on the demand as to who was dealing with it, anyway, my husband explained that he was angry re: guy who came on saturday, then we have a letter dated day before he comes saying there will be no further action unless told to by hfc, then today we get the statutory, and another letter from weightmans saying exactly the same as above but with the pound postal order,, the guy at weightmans then goes on to say that the demand was a warning and that they were not going to see it through and that we will get a letter to that effect tomorrow, now i am hopping mad, they send this guy around, spoils the weekend and worry us and now they think it is some sick kind of joke:mad::mad:. i am not pleased and will send cca off to hfc tomorrow, but what can i do about this situation with weightmans as i think it is really unfair as to how they have played around. any advice appreciated. thanks nilrs